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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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UNION FEDERAL SAVINGS & LOAN
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNION FEDERAL SAVINGS & LOAN |
| Address | 221 E. MAIN ST.
CRAWFORDSVILLE, IN 47933 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 391 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $31,547,000 |
| Average Mortgage Loan Amount Applied For | $132,562 |
| Highest Mortgage Loan Amount Applied For | $486,000 |
| Average Applicant Income | $81,937 |
| Highest Applicant Income | $384,000 |
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| Home Improvement |
34 | $752,000 |
$22,000 | $100,000 |
$55,000 | $109,000 |
| Home Purchase |
130 | $11,655,000 |
$221,500 | $486,000 |
$80,500 | $384,000 |
| Refinancing |
227 | $19,140,000 |
$84,000 | $365,000 |
$57,000 | $363,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $78,000 |
$39,000 | $46,000 |
$55,000 | $56,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
389 | $31,469,000 |
$218,000 | $486,000 |
$77,000 | $384,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
391 | $31,547,000 |
$217,500 | $486,000 |
$77,000 | $384,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
44 | $3,257,000 |
$74,000 | $262,000 |
$43,000 | $135,000 |
| Application Withdrawn By Applicant |
26 | $2,082,000 |
$80,000 | $486,000 |
$77,000 | $384,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
321 | $26,208,000 |
$218,000 | $475,000 |
$81,500 | $363,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
2 | $71,000 |
$35,000 | $47,000 |
$60,000 | $89,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
28 | $2,226,000 |
$79,000 | $262,000 |
$52,000 | $135,000 |
| Debt-To-Income Ratio |
9 | $691,000 |
$76,000 | $173,000 |
$32,000 | $99,000 |
| Employment History |
3 | $137,000 |
$45,000 | $74,000 |
$37,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $72,000 |
$72,000 | $72,000 |
$24,000 | $24,000 |
| Other |
1 | $60,000 |
$60,000 | $60,000 |
$24,000 | $24,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNION FEDERAL SAVINGS & LOAN by:
Metropolitan Area And
County
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